Medicare Benefits Age Requirements

What is the Medicare eligibility age? It is the age at which an individual accesses Medicare Part A. When the individual attains the Medicare benefits age requirements, they can also purchase Medicare Part B. 

Medicare Benefits Age Requirements

The standard Medicare Eligibility Age is 65 years. People aged 65 years and above, therefore, access Medicare Part A without paying for it. However, when the person has disabilities or end-stage of renal diseases, the eligibility may come earlier than 65 years. 

Medicare Eligibility Age

Although the standard Medicare Eligibility Age is 65 years old, there are exceptions. However, the Congressional Budget Office has introduced a plan that is going to make gradual changes to the eligibility age. The organization plans to increase the age limit by two months every year until it hits 67 years. This plan has not been actualized, though. For now, the eligibility age remains at 65 years. 

What Are the Other Requirements?

Besides the age requirement, you have to be a US citizen or a permanent legal resident in the US for not less than five years. You may also qualify for Medicare benefits if you or your spouse has been working in the states for an adequate duration to be eligible for the Social Security benefits. 

You can also qualify if you or your spouse is a government employee. Retirees who have not been paid into Social Security but have cleared their Medicare Payroll taxes may also qualify for Medicare benefits. 

Can I Qualify for Medicare Before Attaining the Eligibility Age?

There are several exceptions whereby an individual is eligible for the benefits when still below 65 years. One is if you have Lou Gehrig’s disease end-stage renal disease. Secondly, you qualify for the benefits if you have been eligible for Social Security benefits for at least 24 months. 

Individuals with Railroad retirement board disability pension may also qualify for the benefits. 

An individual may also get full Medicare benefits even if they don’t qualify based on the work records or your spouse’s.

However, to qualify for this category, you must be 65 years and above and a US citizen or a legal resident of the US for at least five years. To qualify for these, you must pay hospital premiums. 

How Do I Enroll for Medicare?

If you have hit the 65-year mark, you will receive Medicare Part A without paying any premiums. This is applicable only if you or your husband paid for Medicare taxes. However, if none of you paid Medicare taxes- you will have to pay for part A of the premium. 

Medicare Part A covers hospital insurance, while Part B covers outpatient care, medical equipment, preventive services, and part-time home health services. If you opt for part B, you will have to pay for a monthly premium. 

People who have received Social Security disability for 24 months will automatically get enrolled for the Medicare benefits. The benefits for this category mature at the beginning of the 25th month. 

Patients of Lou Gehrig’s disease automatically get enrolled for the benefits at the beginning of the first month they begin receiving benefits. 

If you have end-stage renal disease, the Medicare benefits you receive will be determined on a case-by-case basis. In the category, you will have to apply manually. 

Wrapping Up

It is important to know Medicare benefits age requirements so you can apply for them. In the exemption cases, there may be a path that you have to follow. You won’t receive the benefits right away such as dental care, oral surgery, basic medical care, root canal therapy and more. It is crucial that you stay knowledgeable about your eligibility status because you do not know when you will need them. In this case, it is best to reach out to a Medicare specialist who will help guide you through the entire process.

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